Providing capital to traditional craft villages at the end of the year.

(Baohatinh.vn) - Traditional craft villages in Ha Tinh are entering their peak production season. Credit capital is becoming a "lever" to help production and business establishments boost output.

Ha Tinh currently has dozens of traditional craft villages such as: civil carpentry, seafood processing, blacksmithing, noodle and cake making, boat building, etc., creating jobs for thousands of local workers and playing a "pillar" role in rural economic development.

Recognizing this crucial role, the banking sector in Ha Tinh province has prioritized credit allocation to the agricultural , rural, and traditional craft villages. It is estimated that by December 31, 2025, outstanding loans in the agricultural and rural sectors throughout the province will reach approximately 53,440 billion VND, with a significant proportion allocated to traditional craft villages (over 15,000 billion VND). Beyond meeting working capital needs during peak seasons, credit institutions in the area also provide opportunities for business owners in craft villages to invest in machinery, upgrade technology, and establish sustainable production and consumption chains.

Mr. Vo Van Tan's family received capital support from banks to develop their carpentry business.

These days, the Yen Huy Industrial Cluster - craft village (Gia Hanh commune) is bustling with activity. Workers at numerous woodworking establishments are working overtime, and machinery is operating at full capacity to meet deadlines for Tet holiday orders both within and outside the province. The family of Mr. Vo Van Tan (Dinh Son village) has also boldly expanded their scale, joining the Yen Huy Industrial Cluster - craft village to professionalize their production line and create more opportunities for development.

Mr. Vo Van Tan shared: “Previously, our production and business activities were conducted at home, in a residential area, which was very inconvenient. Therefore, for the past month, our family has moved our operations to the Yen Huy Industrial Cluster and craft village. To complete the production line at the Industrial Cluster, my family borrowed nearly 400 million VND from the bank. With capital, we can proactively secure raw materials, speed up production, and confidently accept large orders, especially during the Tet holiday when demand doubles.”

Currently, hundreds of households in the Yen Huy Industrial Cluster and traditional craft village are accessing credit to support peak production. Mr. Tran Dinh Chien – Director of Agribank Can Loc Branch said: “Providing capital for agriculture, rural areas, and traditional craft villages is a consistent priority of our unit. This is a two-way relationship; people have resources to develop production, and the bank has room for sustainable credit growth. Legitimate production and business establishments with transparent invoices and documents all enjoy preferential interest rates as directed by the Government and the State Bank of Vietnam. Accordingly, outstanding loans in the Yen Huy Industrial Cluster and traditional craft village have reached nearly 100 billion VND with nearly 200 borrowers.”

Agribank Can Loc Branch prioritizes providing capital for production and business activities, and the development of traditional craft villages.

The peak production atmosphere is also spreading to the Cua Nhuong seafood processing village (Thien Cam commune). Traditional products such as fish sauce and dried seafood are being produced on modern machinery lines, including drying systems, solar-powered fish sauce salting technology, and closed-loop processing and packaging lines. The Cua Nhuong village now has more than 10 OCOP (One Commune One Product) products, a result significantly supported by bank funding.

Cua Nhuong Seafood Cooperative (Thien Cam commune) specializes in purchasing and processing seafood to supply markets in the northern provinces. The cooperative has proactively secured a supply of goods for the busiest business season of the year with a diverse range of products such as: sun-dried squid, mackerel, grouper, snapper, etc.

The Cua Nhuong Seafood Service Cooperative has successfully built a supply chain linking seafood from procurement to processing and consumption.

Ms. Hoang Thi Lich, Director of Cua Nhuong Seafood Cooperative, said: "To ensure sufficient supply for production and business, the cooperative borrowed over 2 billion VND to invest in a drying line, a freezing system, and a cold storage facility... In addition, with the high market demand during this Tet holiday, the cooperative also borrowed working capital to meet the needs of raw material procurement. Besides building product brands and striving to expand markets for Ha Tinh seafood, the cooperative has established a supply chain, guaranteeing the purchase of seafood from over 80 boat owners in Thien Cam commune and neighboring communes. This contributes to promoting the development of the local marine economy."

Mr. Hoang Kim Tuy, Vice Chairman of the People's Committee of Thien Cam commune, said: "The total outstanding credit balance in the area currently reaches over 500 billion VND, making an important contribution to upgrading traditional craft villages, developing the marine economy, and creating sustainable livelihoods for the people. To ensure the long-term effectiveness of credit, production and business establishments in the craft villages need to continue to innovate management, ensure financial transparency, and build product brands."

The production atmosphere at Trung Luong Industrial Cluster - Craft Village (Bac Hong Linh Ward).

In the context of a volatile economy and the increasing capital needs of traditional craft villages, the banking sector in Ha Tinh needs to continue designing specialized credit packages for traditional craft villages; promote medium- and long-term lending to support technological innovation; and connect credit with the OCOP program, digital transformation, and the green economy.

As for craft villages and production and business establishments, they need to pay more attention to the efficient use of capital, investing in the right areas, linking production with product quality standards according to the OCOP (One Commune One Product) program, ensuring traceability, and developing more stable consumer markets. Simultaneously, improving management capacity, financial transparency, and supply chain linkages will be key conditions for credit capital to not only "support seasonal needs" but truly become a driving force for sustainable development. When bank capital is coupled with innovative thinking, craft villages in Ha Tinh can completely overcome seasonality and assert their position in a broader market – not just during the Tet holiday season.

Source: https://baohatinh.vn/tiep-von-cho-cac-lang-nghe-dip-cuoi-nam-post301217.html